Know what your business actually makes.
Your P&L mixes three different things: the cost of running the business, what you take out, and what you're investing in growth. We separate them — every month, per location — so you can finally answer the questions that matter.
Not sure what shape your books are in?
Share access to your books and we'll give you a straight read on where they stand, what cleanup would involve, and what it would cost. Free, no commitment.
What your bookkeeper handles.
Your dedicated expert learns how the business operates, then keeps the agreed accounts current and the monthly close moving without making you manage the bookkeeping process.
We review your QuickBooks structure, learn your revenue and payment flows, map Core, Discretionary, and Growth spending, and define the monthly close workflow. Early-access customers get the current year cleaned up as part of onboarding at no cost.
Transaction review and categorization
Your bookkeeper reviews activity, applies consistent categories, and follows up when business context is needed.
Bank and credit-card reconciliation
Included bank and credit-card accounts are reconciled to their statements each month so balances can be trusted.
Merchant processor reconciliation
In-scope Stripe, Square, ACH, and other processor deposits are tied back to the activity behind them.
Month-end close and financial statements
You receive an owner-ready P&L and balance sheet on the target schedule for your plan.
Core, Discretionary, and Growth reporting
The reporting structure is maintained so normalized operating income remains visible as the business changes.
Year-end coordination
We keep the books organized and coordinate the financial handoff to your tax preparer; tax filing remains with them.
A better monthly rhythm, from setup to decisions.
Understand the business
We learn how you earn revenue, pay teachers or staff, use merchant processors, and make owner or growth investments.
Set up books for clarity
We review the chart of accounts and build a Core, Discretionary, and Growth view without taking ownership away from you or your CPA.
Close every month
Your dedicated bookkeeper categorizes and reconciles the agreed accounts, follows up on exceptions, and reviews the close.
Run the business forward
Use dashboards, forecasts, and financial Q&A to make hiring, pricing, and expansion decisions with more confidence.
What your AI CFO actually answers.
Real questions, answered with your real numbers — not generic advice.
Core operating income is $42k/mo — a clean read on your recurring business, stripped of noise.
$9k/mo is classified as discretionary (owner salary, meals, non-essential expenses) or growth-related (new-location buildout, marketing expansion). Removing those gives you the real picture.
Core profitability is widening: up ~$11k/mo from six months ago. Current growth + discretionary spend is sustainable through Q3 at your cash position.
Most owners get books for taxes. You need books that help you run the business.
My AI CFO pairs accurate monthly bookkeeping with a view of normalized operating income, forecasts, and grounded financial Q&A. It is designed first around the revenue, teacher costs, payment flows, and expansion questions of music schools.
Built by people who run the same business you do.
My AI CFO is built by a team of experienced and successful music school operators and SaaS platform creators. The chart of accounts, the prepaid-tuition handling, and the benchmarks come from actually operating schools — not from a generic bookkeeping service with a music page bolted on.
Pick the tier that matches your business needs.
Revenue is the starting point. Account, transaction, processor, and location limits keep the work predictable and the close reliable.
For an owner-led school or service business with straightforward monthly books.
- Up to 3 bank or credit-card accounts
- Up to 150 transactions per month
- 1 entity and 1 location
For a growing team that needs clearer location, program, or processor visibility.
- Up to 6 bank or credit-card accounts
- Up to 350 transactions per month
- 1 processor plus class/location tracking
For more complex operators that need consolidated clarity across several locations.
- Up to 10 bank or credit-card accounts
- Up to 700 transactions per month
- Up to 3 locations and 2 processors
Every plan includes
Transaction limits count bank-feed transactions, not individual tuition payments. Service is month to month — cancel anytime. Payroll processing, bill pay, invoicing, sales-tax filing, tax preparation, and additional entities are quoted separately. Close targets depend on requested documents and answers arriving on time.
The early-access offer.
- Current-year books cleaned up and brought current — YTD visibility and an end-of-year forecast from day one
- First 3 months of bookkeeping free
- A working session on your numbers with the team
- Early-access rate, month to month — cancel anytime
In return, we ask for candid feedback on the reports and on how this should be priced and packaged — and permission to include your anonymized numbers in a future industry benchmark.
Your data stays yours.
Bank-level encryption
Your data is encrypted in transit and at rest, hosted on AWS in the United States.
Read-only connections
Financial connections are read-only, made through official integrations like Intuit's OAuth.
We never move money
No payment access, no transfers, no bill pay from your accounts. We report; you control the money.
Your QuickBooks stays yours
Your QuickBooks account remains the source of record, under your control. Disconnect anytime.
More detail on how we protect your data is on the security page.
The things owners ask before signing up.
What happens to my current bookkeeper or CPA?+
Do you do my taxes?+
What if my books are a disaster?+
What happens after the free months?+
What do I need to get started?+
Who actually does the bookkeeping?+
Can I cancel?+
More questions answered on the full FAQ.